Will I save money moving from Texas to the DC metro?

For most households, moving from Texas to the DC metro costs more overall, primarily because DC metro housing is more expensive than most Texas metros. The income tax vs. property tax math is closer to break-even than people expect. Texas has 0% state income tax but 1.6-2.2% property tax. Virginia has 5.75% income tax but ~1.0% property tax. For a $175K household on a $625K home, Virginia costs about $3,350 more per year than Texas in total tax.

What does my Austin, Dallas, or Houston home equity buy in the DC metro?

A Texas net of $500K buys a solid 3-bedroom townhome in Reston, Vienna, or Bethesda, or a 3-bedroom rowhouse in Petworth, Brookland, or Capitol Hill DC. $650K net buys a 4-bedroom single-family in Fairfax or Montgomery County. Arlington single-family homes generally start above $900K.

What is the commute like in the DC metro compared to Dallas or Houston?

DC metro rush hour traffic is generally worse than Dallas or Houston, particularly on I-495 (the Beltway), I-66, and I-395. Average peak speeds run 15-25 mph on major commuter corridors. The DC metro does have significantly better public transit than any Texas metro, with Metro covering most of Arlington, all of DC, much of Montgomery County, and extending to Reston and Ashburn via Silver Line.

How long does it take to buy a home from Texas in the DC metro?

Plan 60-90 days from beginning your agent search to move-in. Remote-plus-in-person buyers typically do one 2-3 day trip to see 10-15 homes, then make offers. Closings typically run 30-45 days for VA and conventional loans. The DC metro market moves faster than most Texas markets, so be prepared to make decisions within days, not weeks, after your in-person trip.

Should I sell my Texas home before buying in the DC metro?

Compare sale, bridge-financing, and rental scenarios using current financing, taxes, insurance, vacancy, repairs, management, transaction costs, and downside risk. No market or financing path is universally preferable; consult qualified lending, tax, legal, and property-management professionals.

Moving from Texas to the DC Metro in 2026: What Actually Changes

You are leaving Texas for a federal job, a contractor gig, or a promotion that requires DC-area residence. The promotion is worth it. The move will probably feel more expensive than the raise looks on paper.

Here is why, and what to do about it.

What this guide does

Runs the real Texas-to-DC cost comparison, including the property tax math that trips up most Texas buyers.
Maps Austin, Dallas, and Houston zip codes to DC metro equivalents.
Translates Texas school expectations to Virginia, Maryland, and DC reality.
Points you to DMV agent profiles who know how to close for Texas buyers.

Live market snapshot

Fairfax Market Snapshot

Updated Sep 14

$753K

Median Price

-2.9% YoY

Avg Days on Market

1,408

Sales (12 mo)

100.1%

Sold-to-List

Estimated Payment at 7.22%

$4,096/mo

20% down on a $753K home

Data from verified transaction records and public sources

Arlington Market Snapshot

Updated Sep 14

$730K

Median Price

-1.4% YoY

Avg Days on Market

2,003

Sales (12 mo)

99.3%

Sold-to-List

Estimated Payment at 7.22%

$3,971/mo

20% down on a $730K home

Data from verified transaction records and public sources

As of April 6, 2026, per Redfin county data:

Arlington median: $437,500 (3.4 months supply)
Fairfax median: $723,000 (1.9 months supply, 42% sold above list)
Montgomery County MD: $515,500 (2.4 months supply)
DC proper: $900,000 (8.6 months supply, buyer's market)

Today's rates

At 6.32% on a $625K home with 10% down, monthly principal and interest is approximately $3,490. Property tax in Fairfax adds about $520/month. Insurance adds $85. Total: around $4,095/month.

The Texas-to-DC tax math

This is where Texas buyers get surprised. Texas has no state income tax. Virginia, Maryland, and DC all do. But Texas has some of the highest property taxes in the country. Virginia, Maryland, and DC have lower property tax rates.

Texas

State income tax: 0%
Property tax effective rate: 1.6% to 2.2% typical in major metros (Harris, Travis, Dallas, Collin, Tarrant counties)

Virginia

State income tax: 5.75% flat above $17K
Property tax effective rate: ~1.0% in Fairfax County, ~0.84% in Arlington, ~0.97% in Prince William

Maryland

State + county income tax: ~7.95% combined in Montgomery and Prince George's Counties
Property tax effective rate: ~0.94% in Montgomery, ~1.0% in Prince George's

DC

Income tax: 6.5% to 10.75% progressive
Property tax effective rate: ~0.56%

Net effect

For a household earning $175K buying a $625K home:

Texas (Austin, 2.0% property tax): $0 income tax + $12,500 property tax = $12,500 annual tax cost
Virginia (Fairfax, 5.75% income + 1.0% property): ~$9,600 income + $6,250 property = $15,850
Maryland (Montgomery): ~$13,300 income + $5,875 property = $19,175
DC: ~$11,600 income + $3,500 property = $15,100

Virginia costs you about $3,350 more per year than Texas at this income level. Maryland costs about $6,675 more. DC is close to Virginia after property tax savings offset the higher income tax rate.

The real cost driver is not taxes; it is housing. A Texas buyer's $625K Austin home is a $900K+ Arlington or $1.1M+ Bethesda home. Housing is where the DC move hurts, not the tax math.

Your Texas equity versus DC prices

If you sold a home in Austin, Dallas, or Houston in 2025-2026 for $600K-$900K, you likely netted $350K-$600K after commission and closing. Here is what that buys in the DC metro:

$400K net: Entry-level townhome in Reston, Herndon, Alexandria, or Silver Spring. Condo in Arlington or DC proper.
$500K net: Solid 3BR townhome in Reston, Vienna, or Bethesda. A rowhouse in Petworth, Brookland, or Capitol Hill DC.
$650K net: 4BR single-family in Fairfax County or Montgomery County. Townhome in close-in Arlington.
$800K+ net: Larger single-family inventory in Vienna, Oakton, or Rockville, or rowhouses in parts of DC. Verify current listings and exact property costs.

Austin → DC metro analogs

South Austin / Westlake Hills → Arlington or North Arlington. Higher-priced residential inventory and walkable commercial areas.

East Austin / Cherrywood → Petworth or H Street DC. Active neighborhood character, mid-range pricing.

Round Rock / Cedar Park → Reston or Herndon. Planned communities, newer homes, and proximity to technology employers.

Pflugerville / Georgetown TX → Ashburn or Aldie in Loudoun County. Master-planned, newer construction, commuter suburb.

Dallas → DC metro analogs

Highland Park / University Park → McLean or Chevy Chase MD. Higher-priced single-family inventory and established residential streets.

Uptown / Oak Lawn feature comparison: Clarendon, Ballston, and Logan Circle include connected street grids, restaurants, and transit. Compare exact housing, access, traffic, and noise directly; the places are not equivalents.

Plano / Frisco → Vienna, Oakton, or Ashburn. Suburban single-family inventory and proximity to major employers.

Bishop Arts / Oak Cliff feature comparison: Del Ray and Takoma include independent retail and connected street grids. Verify exact-address housing, access, traffic, and noise directly; the places are not equivalents.

Houston → DC metro analogs

River Oaks / Memorial → McLean, Potomac MD, or Great Falls. Higher-priced single-family homes and larger lots.

The Heights / Montrose → Capitol Hill DC or Del Ray Alexandria. Historic walkable character.

Katy / The Woodlands → Reston, Ashburn, or Burke. Master-planned suburban communities.

Sugar Land → Burke, Springfield, or Potomac MD. Established suburban housing and a driving-oriented layout.

Schools: compare boundaries and program rules

Texas and DC-area districts use different attendance boundaries, program rules, and application pathways. Compare the exact address and school year through official district sources.

How to compare systems: Falls Church City, Montgomery County, and Fairfax County publish different attendance-boundary, program, and application rules. Verify the exact address and school year with the relevant district.

Application program: Thomas Jefferson High School for Science and Technology uses countywide selective admission that is separate from ordinary address assignment.

Deep dive: DC-area school district guide: boundaries, programs, and official tools.

Commute and lifestyle adjustments

Traffic is worse than Dallas or Houston rush hour. I-495, I-66, and I-395 at peak move at 15-25 mph. Plan your home purchase around your commute path, not just the neighborhood.

Public transit is better than any Texas metro. Metro covers most close-in Arlington, all of DC, much of Montgomery County via the Red Line, and Silver Line out to Reston and Ashburn. If you want a reduced-driving lifestyle, that is genuinely available here.

Weather is milder than North Texas, more humid than Austin. Plan for snow, ice, and a real winter that Houston and Austin buyers are rarely prepared for.

Buying from Texas

Most Texas-to-DC buyers do a combination of virtual tours and one or two in-person trips. The DC metro moves faster than Texas markets. Expect to make an offer within a week of a serious trip, not a month later.

Get the right team ready before your first trip:

Agent: Ask candidates how they help out-of-state buyers compare property taxes, commute options, housing types, inspections, and remote transaction steps. Request relevant examples, references, and written services.

Lender: Review DMV lender profiles, then ask about out-of-state borrower requirements, timing, fees, and credentials.

Virginia/Maryland/DC-specific CPA: Tax filing for the year you move is complicated. Find a CPA licensed in your destination state.

What to do this week

Estimate your Texas net-proceeds honestly. Ask your listing agent for a net sheet so you can factor in agent compensation and closing costs. Compensation is negotiable and is not set by law, so confirm the terms in your written agreement.
Get pre-approved with a DMV lender. 48-72 hours.
Pick your destination state (Virginia, Maryland, or DC) based on work location and tax preference. Do not shop across all three.
Interview 2-3 agents with Texas-transplant experience. Browse DMV agent profiles.
Plan a 2-day trip seeing 10-12 homes. Make an offer within a week of that trip if you see the right one.

Frequently asked questions

Will I save money moving from Texas to DC metro?

Overall, usually no. DC metro housing costs more. Tax math is close to break-even (Texas 0% income + 2% property vs Virginia 5.75% income + 1% property).

What does Texas equity buy in DC metro?

$500K net: 3BR townhome in Reston, Vienna, or Bethesda, or DC rowhouse. $650K net: 4BR single-family in Fairfax or Montgomery.

How do DC-area and Texas school assignments differ?

DC-area and Texas districts use different attendance boundaries, program rules, and application pathways. Thomas Jefferson High School for Science and Technology uses selective admission.

Is DC traffic worse than Dallas or Houston?

Yes, at peak. But DC has significantly better transit, which Texas doesn't.

How long to buy from Texas?

60-90 days total. One 2-3 day trip typically sufficient. Move fast on offers.

Sell Texas home first?

Not necessarily. Bridge financing or renting out both work.

Market data updates weekly from Redfin county data, FRED, and Mortgage News Daily. Last data refresh: April 6, 2026 (county metrics) and April 17, 2026 (mortgage rates).